iOS/Android/Chrome: You've got your Amazon credit card for Amazon purchases, your Southwest card for travel, and your Target card for general shopping. But which one earns the most reward points at grocery stores, or at the pump? Reward Summit helps you solve this all-too-common conundrum.

Whenever you're in the line at the store to pay or the check arrives at dinner, just open up the app, and select your location from an automatically-generated list. The app will recommend which of your own credit cards will earn you the highest percentage cash back, and also suggest cards that earn even more. If you're shopping online, Reward Summit also offers a Chrome extension that syncs with the mobile apps to offer recommendations automatically. Even if you only have one or two cards, if you're ever in the market for another, the recommendation engine in the app is a great place to start. For people with a bunch of cards though, Reward Summit is a must-download app.